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After you file
You will have to try to work it out with the bank. You might need help from a lawyer.
The IRS and the bank followed your instructions and deposited your refund in the account that you designated on your tax return. They are not at fault, and they are not obligated to correct your error.
See the following page on the IRS web site, particularly the third bullet under Scenario and the fourth (last) bullet under Solution.
‎August 13, 2023
1:46 PM